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Stocks & Shares ISA

Our award-winning Stocks and Shares ISA gives you a wide range of investment choices.


Important information

Please remember the value of your investments and any income from them can go down as well as up and you may get back less than the amount you originally invested.

All investments carry an element of risk which may differ significantly. If you are unsure as to the suitability of any particular investment or product, you should seek professional financial advice.

Laws and tax rules may change in the future without notice. The information here is our understanding in January 2017. This information takes no account of your personal circumstances which may have an impact on tax treatment.

Related documents

Visit our dedicated ISA literature page.
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ISAs at a glance

  • Invest up to £15,240 this tax year

  • Access your money at any time

  • No Capital Gains tax

  • No additional Income tax

IMPORTANT! Read the ISA Key Facts and our Charges Guide for all the details and before you make up your mind if our ISA is right for you.

Apply now

What is an ISA?

An ISA (or Individual Savings Account) is a popular, tax advantaged way of saving.

Whether you're aiming for something specific - like a special holiday or a deposit for a property - or just interested in putting something away for your future, an ISA is the foundation for many savers.

Three different types of ISA

There are three types of ISA. Cash ISA, Innovative Finance ISA and Stocks & Shares ISA. Our ISA is the Stocks & Shares type, which means you invest your money hoping to benefit from investment growth over the longer term.

There are agreed limits set by the Government regarding how much you can invest into your ISA(s). For the 2016/17 tax year, the limit is £15,240 in total which can be invested into your ISA(s), which can be split between a Stocks and Shares ISA, an Innovative Finance ISA and a Cash ISA. You can only put money into one Stocks and Shares ISA, one Innovative Finance ISA and one Cash ISA in a tax year.

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Why ATS for your ISA?

  • Save regularly from £50 a month

  • Stop, start and change your payments whenever you like

  • 24/7 access to manage your ISA online

  • Over 4,000 investments to choose from

  • Account fees that don’t grow with your investment

  • Low monthly account charge of £10.00
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An ISA makes sense

If you’re a tax payer and you’ve got investments it makes sense to hold them in an ISA. Read about the tax advantages below.

Three easy steps to open an ISA

  1. Use our Savings Calculator to work out how much to pay in.

  2. Go to the Investing Hub to research your investment choices.

  3. Apply online now.

All the tax advantages and flexibility you would expect

Our award winning servicing team, online administration platform and flexible product features mean the Alliance Trust Savings ISA Account delivers everything you would expect. And more.



Tax advantages


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  • No Income tax on your ISA income

  • No tax on capital gains in your ISA

  • Hassle free. No need to tell HMRC about income and capital gains from your ISA on your tax return.

Higher rate taxpayer?


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If your marginal rate is 40% or 45%, as there’s no income tax to pay on income from your ISA the tax savings for you can be significant.

Who can apply?

If you are 18 or over and resident in the UK you can apply for a Stocks & Shares ISA. You must hold it in your own name and you can only pay in to one Stocks & Shares ISA each tax year.

We don’t accept applications by or on behalf of any US Persons.

Know your limits

You can save up to £15,240 into an ISA in the 2016/17 tax year. This can be split between a Cash ISA, an Innovative Finance ISA and a Stocks & Shares ISA if you want. The amount you can invest in an ISA(s) will rise to £20,000 in the 2017/18 tax year.

Saving for a child?

Consider a Junior ISA. You can invest up to £4,080 this tax year on behalf of a child.

In a relationship?

ISA allowances are individual. So if you are in a relationship you and your partner can both save up to the full limit each year.

You can also open a joint Investment Dealing Account.

Account fees that don’t grow with your investment

We charge you flat Account fees rather than fees based on a percentage of the value of your investment. So, as your investments grow, your Account fees won’t.



Visit our charges page to find out more about the flat fee difference.

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A wide range of investment choices

Goals

A big question to ask yourself is what are you saving for and how long do you have to save? People who set a goal save faster than those who do not. So whatever you are saving for University fees, deposit for a home, a dream vacation or all of these reasons - make your mind up how much you can afford to save each month and get started.

What you are saving for

Setting specific savings goals will help you to begin saving money.

How much can you afford?

When you have decided what you are saving for and how much you can afford to save this will determine the timeline it will take for you to reach your goal. Alternatively if the timeline is set, you will need to determine how much you need to save each month in order to reach it. (Our savings calculator can help you getting started)

Set up regular payments

Set up a regular payment so that this happens automatically and benefit from our regular dealing options.

Regularly check your progress and take action if you go off course and remember you can always change your plan if your circumstances change.





Goals

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How much could your ISA be worth?

Use our savings tool to work out how much you might be able to save.
Use our savings tool


Alliance Trust Savings Limited is a subsidiary of Alliance Trust PLC and is registered in Scotland No. SC 98767, registered office, PO Box 164, 8 West Marketgait, Dundee DD1 9YP; is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, firm reference number 116115. Alliance Trust Savings gives no financial or investment advice.